Reports

This report explores the trends of commercial credit reporting on consumer credit.

A brief overview of the general lending patterns of HMDA reporters with the closed-end origination volumes around the new HMDA reporting threshold set by the 2020 HMDA Rule.

This report analyzes manufactured home loans, using two new fields in the Home Mortgage Disclosure Act (HMDA) data to understand the manufactured housing finance market and compare chattel loans and mortgages.

The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints.This Complaint Bulletin analyzes mortgage forbearance issues described in consumer complaints.

This report provides a foundational set of benchmarks of the financial well-being of Hispanics ages 18 and older in the United States in 2018, as measured by the CFPB Financial Well-Being Scale, that practitioners and researchers can use in their work.

A new analysis examines the early impact of COVID-19 on consumers’ finances, finding that, in general, they were more able to stay on top of finances in June 2020 than June 2019.

The CFPB’s Office of Consumer Response hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of companies, and assists in addressing their complaints. This Complaint Bulletin analyzes complaints submitted by consumers in counties nationwide.

The Consumer Financial Protection Bureau began consumer response operations on July 21, 2011, and became the first federal agency solely focused on consumer financial protection. The Bureau’s Consumer Response team hears directly from consumers about the challenges they face in the marketplace, brings their concerns to the attention of financial institutions, and assists in addressing their complaints.

2020 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.

The goal of this article is to help the public become more familiar with the new and revised data points in the 2019 HMDA data and to provide some initial observations about the nation’s mortgage market in 2019 using those new and revised data points. The focus of this article is on cross-sectional analyses, i.e. using the data contained in one year’s loan application registrar (LAR) to explore various patterns and relationships between different data fields to provide some initial observations.

This report summarizes the Bureau’s February 26, 2020, symposium on Consumer Access to Financial Records and Section 1033 of the Dodd-Frank Act.

This Complaint Bulletin reflects complaint data from complaints submitted in 2020 and highlights trends in complaints mentioning coronavirus keywords.

This report summarizes the initial results from the Making Ends Meet survey, a nationally representative survey of adults with a credit record developed by the CFPB’s Office of Research.

Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally representative sample of de-identified credit records maintained by a nationwide consumer reporting agency.

2019 HMDA Mortgage Market Activity and Trends summarizes the historical data points in the 2019 HMDA data, as well as recent trends in mortgage and housing markets.

This Complaint Bulletin reflects complaint data from complaints submitted in 2020 and highlights trends in complaints mentioning coronavirus keywords.

This report is about the work of the CFPB’s Office of Servicemember Affairs for the period from October 1, 2018 to September 30, 2019.

We began consumer response operations on July 21, 2011 as the nation’s first federal agency specifically mandated to protect American consumers in the financial marketplace.

2019 Bureau of Consumer Financial Protection (CFPB/BCFP) report on college credit card agreements.

Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally representative sample of de-identified credit records maintained by a nationwide consumer reporting agency.

Our data point reports are prepared by our Office of Research to provide an evidence-based perspective on consumer financial markets, consumer behavior, and regulations to inform the public discourse.

This fourteenth data point compares borrower characteristics at mortgage servicers of different sizes and explores the role servicers of each size play in the mortgage market.

This report describes the background screening industry and developments in the market. While background screening reports can include various types of information and be used for several purposes, this paper focuses on reports used for employment purposes that include criminal history information.

Quarterly consumer credit trends reports focus on a specific consumer financial product or issue using a longitudinal, nationally-representative sample of de-identified credit records maintained by a nationwide credit reporting company.

This report presents results from a joint research study between the Consumer Financial Protection Bureau (CFPB) and Credit Karma. The purpose of the study is to examine how consumers’ subjective financial well-being relates to objective measures of consumers’ financial health, specifically, consumers’ credit report characteristics. The study also seeks to relate consumers’ subjective financial well-being to consumers’ engagement with financial information through educational tools.